No rent data on file — verify locally before offering.
Why it works
Monthly profit +$7,684/mo from completion — the no.1 reason to invest
1206.9% 5y IRR — strong total return on capital
Stress Rent-covers-mortgage check PASS at 6.5% rate stress — lender-friendly
Why to be cautious
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Price
$7K
Return before costson price
—
est rent $9,700not enough comparables
Cash needed
$6K
deposit + costs
Monthly profit
+$8K
net of mgmt + voids
5y Return on your cash
6374.5%
after tax
IRR
1206.9%
cash + capital
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Returns not yet calculated · Listing seen …
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,700
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$7,684
after mortgage, operating costs & tax
Income
Monthly rent+$9,700
After 2wk voids: $9,327/mo
Outgoings
Mortgage-$34
Operating costs-$1,982
show breakdown ▾
Management (10% of rent)-$970
CapEx reserve (5% of rent)-$485
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1711.76%
Cash returnon cash1552.27%
Gross margin$7,345
Cash needed$5,940
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check36.08
Rent-covers-mortgage check PASS (target 1.00)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Year
Gross Rent
Op Costs
Mortgage
Equity Built
Tax
Net
Cumulative
Year 1
$116,400
$23,788
$407
$0
$20,684
$71,521
$71,521
Year 2
$119,892
$24,502
$407
$0
$21,421
$73,562
$145,083
Year 3
$123,489
$25,237
$407
$0
$22,179
$75,666
$220,749
Year 4
$127,193
$25,994
$407
$0
$22,960
$77,833
$298,582
Year 5
$131,009
$26,774
$407
$0
$23,765
$80,064
$378,645
Year 5 disposal
Disposal gain (gross)-$5,396
CGT$0
Net Disposal proceeds$7,320
What we verified
What we verified
2 total · click to expand
20002 ok · 0 caution · 0 fail · 0 unknown
Investor
Tenant profileFamily let
Tenant profilelikely cohort3 bed
Primary profile
Family let
Nearest university
for student-let assessment
University of Glasgow · 8282.6 km
Reason
3-bed house in a suburban area — family-let demand dominates; check local school catchment ratings.
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
Price
$7K
vs comparable
Return before costs
—
est rent $9,700/monot enough comparables
Bedrooms
3
3 bath
What we verified
3 total
3000
Building condition1▾
Refurb costBased on beds + baths + sqftEstimate available
Investor profile2▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc live
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer ($)
Monthly rent ($)
Estimated rent from 6 comparables.
Financing
DepositYour cash in — the rest is the mortgage25% · $1,700
5%100% (cash buy)
Mortgage rate5y fixed7.0%
3.0%9.0%
Mortgage term (years)
Stress rate8.0%
5.0%9.0%
Acquisition costs
Refurb ($)
Legal + survey ($)
Mortgage fees ($)
Running costs
Management10%
0%20%
Void weeks
Insurance ($/mo)
Maintenance ($/mo)
Result · Rent it out
Monthly Monthly profit
+$7,684
after mortgage, operating costs & tax
Income
Monthly rent+$9,700
After 2wk voids: $9,327/mo
Outgoings
Mortgage-$34
Operating costs-$1,982
show breakdown ▾
Management (10% of rent)-$970
CapEx reserve (5% of rent)-$485
Council Tax × voids (2w/yr)-$5
Insurance-$20
Maintenance-$67
Income taxnot modelled · net is NOI basis
Returns
Return before costson price1711.76%
Cash returnon cash1552.27%
Gross margin$7,345
Cash needed$5,940
Monthly profit payback1m
Data confidence
Lender stress test
Rent-covers-mortgage check36.08
Rent-covers-mortgage check PASS (target 1.00)
Rent by the roomupside
Tap to expand
Rent by the room conversion upside—▾
Required
Rooms (3+)3 bd
If converted
Net Rent by the room yield—
Comparables
sold within 0.5 mi
Location & transport
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PropertySchoolsUniversitiesStations
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit$71
Annual rental tax$0
CGT yr 5$0 · company level
5y net total$378,645
Acquisition costs
$6K
25% deposit$1,700
Refurb$4,080
Legal + survey$1,700
Mortgage + broker$1,102
Cash needed$5,940
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
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Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones Estimates not financial advice